Your Mortgage: Learn How to Purchase, Build or Fix-up Your Dream Home

Sep 28.2020

Does Refinancing Hurt My Credit Score?

Every once in awhile, there is a nationwide surge in refinancing due to the dips in interest rates. Sometimes, these dips only last a week, and sometimes...

Sep 18.2020

What Happens when a Mortgage Goes to Underwriting?

One of the last steps before your loan is approved and the house keys are placed in your hands is underwriting. Underwriting is the process of risk...

Sep 17.2020

Mortgage Terms Explained: What is DTI?

The process of buying a home should be exciting, but it can sometimes also be a bit confusing. The terms, acronyms, and other details can be a lot to...

Sep 8.2020

How Big of a Mortgage Can I Get?

Once you have finally decided to take the leap into homeownership, the next logical determination is figuring out how big of a mortgage you can actually...

Sep 3.2020

FHA vs USDA Loans: Explained

When it comes to picking out the right loan type for you and your family, things can get quite complicated. Between the housing industry terminology, the...

Sep 2.2020

Fixer-Upper: Dream Home or Money Pit?

The residential real estate market is hot, which can be good news for sellers but harder for some aspiring buyers, due to limited inventory in a lot of...

Aug 31.2020

Buying a Home When You’re Self-Employed

Does your tax return include a Schedule C? Do you want to buy a house? If you answered “yes” to both of those questions, then you’ve come to the right...

Aug 21.2020

How to Compare Mortgage Lenders

So, you’re ready to buy a house. You’ve been researching floor plans and neighborhoods. Maybe you’ve even found a real estate agent and have begun...

Aug 18.2020

Dollars and Sense: Understanding PMI

When you prepare to buy a home, it’s important to look at all of the costs. As it’s likely the most significant investment you’ll make in a lifetime, you...

Aug 14.2020

USDA: Loan Explained

The United States Department of Agriculture (USDA) is a government department divided into 29 agencies. The USDA is dedicated to the betterment of rural...

Subscribe to the Ruoff Home Mortgage Blog
Home Shopping Guide
Apply with Ruoff Home Mortgage

Subscribe to Receive Our Weekly Blog Updates!